In a world of technological distractions, connecting with others can be challenging. Currently, idly watching and passively listening are the standards for participants watching presentations in educational and corporate settings.
However, Newline Interactive brings modern technology to corporations, educational institutions, and workspaces through advanced interactive displays that encourage interaction. Newline Interactive Boards come equipped with innovative advancements that others lack. From a display boasting superior picture quality and capacity touch to tiltable 4k cameras and effortless compatibility, these boards ensure that your audience can actively participate in any presentation.
Educational institutions benefit significantly from sharing information and keeping students engaged through the Newline Interactive tools, which are designed to facilitate an improved educational experience. Additionally, organizations can enhance their video conferencing sessions in the workplace with real-time collaboration through state-of-the-art equipment.
The Newline Interactive board is the ideal solution for organizations ready to implement intuitive, easy-to-use collaborative technology in an increasingly digital world.
The Benefits of Newline Interactive Boards
Newline Interactive boards are designed to work in any space. Whether in the meeting room or a classroom, high-quality UHD screens, complete with an intuitive writing experience, offer unique benefits. Unlike interactive projector screens or other display options, Newline interactive boards allows users to collaborate on a single device without the need to install additional applications. Furthermore, users can collaborate with one another, almost as if they are all in the same room together.
Engaging Presentations
One of the most prominent benefits of Newline Interactive boards is the ability to ensure that participants remain engaged and focused on the task at hand. High-tech interactive boards reduce friction between the speaker and the audience, increasing focus and engagement. Although occasional distractions may not seem significant, frequent short disruptions can make it challenging for participants to become immersed in a presentation, which reduces overall productivity.
Newline Interactive Boards allow presenters to share information and annotate documents in real time easily. Participants also can reference the presentation documents at their convenience, which reduces the likelihood of making costly mistakes.
Enhanced Information Retention
Whether your organization utilizes Newline Interactive Boards in the office or an educational institution, participants will absorb critical information more efficiently. Using the Newline Interactive Boards, participants can break down complex concepts with the assistance of advanced visualization. As a result, innovation and information retention also improve.
Since participants can reference, edit, and create documents or presentations at the moment, design and revision are simplified. Users can also record presentations and meetings for later review. If individuals do not retain information upon completing the initial presentation, they can view it at any time.
Increased Productivity
Newline Interactive Boards are growing in popularity due to their unparalleled ease of use. Participants turn on the board and continue working on the task without needing complicated configurations or long training sessions. Furthermore, users can give and receive feedback on documents in real-time for smooth, clear communication between everyone involved in the project.
On the Newline Interactive Board, it is easy for users to see which individual is responsible for each contribution. As a result, your organization will experience streamlined productivity tracking, and collaborators will always know who to request edits or clarification from. With the Newline Launch Control, participants will not need to utilize multiple apps. Instead, they can easily access their meeting calendar, begin a video conferencing session, or share important documents in one place.
Simplified Video Collaboration
While collaborating with in-person participants is vital, collaborating with remote participants is increasingly crucial in a tech-savvy world. In recent years, it has become clear that remote education and work are more than a passing trend. Organizations must adapt to these changing needs as students and employees continue to work from home by implementing intuitive video conferencing technology.
When it is time for a video conferencing session, Newline Interactive board users only need to open another app and begin the conversation. This smooth, seamless transition eliminates the need for extraneous equipment while reducing time spent on unnecessary tasks. Users can easily share screens with one another during a video conferencing session, so they can see each other while collaborating on the same project. These features allow remote participants to remain fully engaged throughout presentation and brainstorming sessions in a way that closely resembles in-person communication.
Remote Display Management
Newline Interactive boards also allow organizations to manage all of their displays in one place without the need to go from display to display. Users can quickly and easily manage applications and device volumes and select video sources from a single browser. In addition, users can also send essential alerts or announcements to every display, regardless of their location. Administrators can connect with users via built-in video calling if they require assistance with a specific task. Administrators can also control a user’s screen from a remote location when hands-on assistance is necessary.
Improved Training Sessions
Since Newline Interactive boards promote interaction between all participants, employee training sessions have become more productive. Users can easily create dynamic digital training sessions to ensure that all participants can collaborate from any location. With screen-sharing and remote viewing capabilities, presenters can ensure that all participants remain engaged. Training sessions become more effective when employees can connect, reducing the time employees spend asking questions and confirming information.
Install Your Newline Interactive Board with AV Integration Specialists
If members of your organization are interested in experiencing the benefits of the Newline Interactive Board firsthand, audiovisual integration specialists will work with you to select a display that best suits your needs. AV integration experts understand how to choose the most reliable, technologically advanced Newline Interactive display with your desired functionality and dimensions for the perfect end result. Experienced AV professionals will assist your organization in the process of creating a custom system tailored to your specific requirements.
If your Newline Interactive boards or other audiovisual equipment requires maintenance, certified audiovisual professionals have the expertise and experience to resolve these issues. A long-term partnership with audiovisual professionals will ensure that your AV equipment delivers a result that is visually appealing and resilient for years to come.


For the first eight years of my life, I had no idea I was different. At a week old, I had been placed in a shoebox and left on the steps of a convent in the UK. Someone had scrawled "freak" on the side of the box.
I was raised by the nuns at the convent and wasn't encouraged to be curious about my body. Although there were other children, we never saw each other naked, so I didn't know that having both male and female genitals, like I did, wasn't normal. My vagina was perfectly formed, but above it lay testicles and what looked like the base of a penis.
I was dressed as a girl and raised as one. I never thought or felt like anything else. When I was nine, I was told that I would be leaving the convent and going to live with new parents in Singapore. I never knew why I was going so far - perhaps they were the only ones willing to adopt a child like me. I was taken to Singapore by a priest.
When we arrived, I was handed over to a couple called Mr and Mrs Chan*. He was a banker who worked hard and was rarely around. They didn't have children of their own and spoilt me rotten. I missed the convent but, in time, I came to love my new parents.
I can't remember how or when it happened as I was very young, but soon after I arrived in Singapore, I saw another naked person for the first time. I was astonished. Other children were not like me. It stayed in my mind but I said nothing.
LIFE-CHANGING SURGERY
Shortly after my 10th birthday, Mrs Chan explained I would have to go to the hospital, as it was time to make me like other children. There, surgeons performed an operation to remove my testicles. I was frightened and it was painful, but I trusted my parents. I was too young to understand what was happening. When the doctor said, in front of my parents and me, that it was unlikely I'd ever be able to have children, I didn't realise the significance.
Then, my adoptive father died suddenly. He left barely any money and I was eventually sent back to the UK. I was taken to a children's home in Birmingham. I was only 11 and on my own again. The memory of the operation and my life in Singapore began to fade and I made friends at school, but at times I felt very lonely.
One day, I went on a school trip to a museum. We piled into a room where there were some exhibits in jars, and one contained male and female genitals taken from a hermaphrodite. I remembered that I had looked like that before my operation. I was confused and frightened. What was a hermaphrodite? Did it mean that I was really a boy?
I wasn't close enough to any of the staff at the home to ask them, so I went to my doctor. He had all my notes and knew my history. I sat down at the clinic and burst into tears. I was just a teenager, scared, alone, with no idea of who or what I was. I remember him holding my hand and gently telling me that I'd been born with testicles and was a hermaphrodite.
The fact that I'd started my periods was proof that I was female, but he said that even though the outward signs of masculinity had been removed, chances were that the doctor in Singapore had been right - male hormones in my body meant I'd probably never have children.
I went numb. I don't remember leaving the clinic or going home. I didn't know who I was any more. Was I a girl or a boy? I loved wearing skirts and dresses, but was that enough? I cried for hours, thinking I'd never get a boyfriend, then made up my mind that I'd never tell anyone about it. That way, I wouldn't be seen as a freak.
LOVE, LOSS AND NEW LIFE
When I was 18, I moved out on my own. I met my first boyfriend, Patrick*, who was older and very charming. I never told him that I'd been born a hermaphrodite because I was frightened that he'd be disgusted. After a few months together, we had sex. I made sure it was in the dark because I had scars from my operation. I didn't use birth control because I didn't think I could get pregnant but, after a couple of months, I found I was expecting twins.
Until then, I never knew just how much I'd yearned for a family of my own. For days I kept touching my stomach just to convince myself that it was true. I was scared that the twins might have inherited my condition, but the doctors and nurses at the hospital told me there was no need to worry. I thought they might look at me oddly or make comments, but they treated me like any other mum-to-be.
Just when everything seemed to be looking up, tragedy struck. When I was seven months pregnant, Patrick was killed in a car crash. I was devastated. I barely had time to grieve because the babies were born a few days later, two months early. My little girl Kelly* was fine, but her brother was stillborn.
I was barely 20, but I had already seen death in the faces of my first love and my precious child. Those were dark days. If it hadn't been for Kelly, I might have done something stupid. But she needed me and I forced myself to carry on.
STILL A SECRET
I met my first husband, Peter*, about a year later. He was kind and gentle, and we got married but separated seven years later. I never did tell him about my operation - I was too scared. We'd had a son together, Lee*, and I concentrated on raising him and Kelly.
When they were 11 and 13, I told them all about my past. When I'd finished, they both hugged me. Their love and support have given me the courage to be more open about the way I was born. Friends have been surprised but simply shrugged. My children have never been teased about it.
Men have been more complicated, though. I'm currently single and, in the past, the few men I'd confided in about my condition got worried I was actually male and backed off - they simply couldn't cope. After a while, I started to keep it a secret from the men I dated. I'd be lying if I said I didn't wish things had been different in my life, but my experiences have made me who I am.
I know I'm female - I have my children to prove it. It would be nice if, one day, I could find a man who understands, but I'm not angry or bitter. I have my children, I have my life - I couldn't ask for more.
*Names have been changed. This story was first published in Her World magazine March 2014 issue. Her World, Singapore's #1 women's magazine, is now available in both print and digital formats. Log on to www.herworldplus.com to subscribe!


Mitsubishi Heavy signs ultra-low carbon fuel pact
By Jack Burke22 April 2022
Electrofuels seen as drop-in replacement for fossil-based fuels
Mitsubishi Heavy Industries (MHI) will work with U.S.-based Infinium to deploy that company’s ultra-low carbon fuel technology in Japan.
The Memorandum of Understanding with California-based Infinium builds on MHI’s 2021 investment in Infinium and will focus on exploring the deployment of Infinium’s proprietary Electrofuels technology in the Japanese market.
According to Infinium, Electrofuels are classified as ultra-low carbon fuels because they reduce carbon dioxide emissions by up to 97% when compared to traditional jet and diesel fuels. They are designed to be a drop-in replacement for fossil-based fuels and can be used in airplanes, trucks and ships without the need for costly engine modifications.
By combining Infinium Electrofuels production technology with MHI Group’s CO2 capture technology and value chain solutions, MHI aims to accelerate the realization of a carbon-neutral society in Japan, alongside its existing strategies such as EV oriented transportation, CO2 recovery and carbon offsets.
“We’re proud to collaborate with Infinium to combine their proprietary technology with our expertise in the industry,” said Makoto Susaki, head of CCUS Business Taskforce. “Together, we can accelerate deployment of these key solutions throughout Japan and around the world in order to achieve our common goal of decarbonization.”
According to Infinium, many industrial processes result in the discharge of carbon dioxide (CO2) waste as part of their production. Infinium utilizes that CO2 waste and introduces hydrogen to the mix in a unique process. Together, they are converted to synthetic gas using Infinium’s proprietary, patented CO2Cat catalyst.
The synthetic gas is fed through a second reactor and proprietary production step to convert synthesis gas directly into liquid fuels.
This collaboration also supports the Japanese government’s Green Growth Strategy, which aims to reduce greenhouse gas emissions by 46% by 2030 (from 2013 levels) and achieve carbon neutrality by 2050. The use of carbon-neutral fuels is expected to play a key role in decarbonizing industries where this is typically challenging such as long-distance transportation, air transportation, and marine transportation, where electric vehicles are considered difficult to utilize at scale.
“The Infinium team is tremendously excited about this opportunity to bring clean fuels to the Japanese market alongside our colleagues at MHI,” said Infinium CEO Robert Schuetzle. “We’re on a mission to decarbonize the world, and the opportunity to build Electrofuels™ production in yet another pivotal geographic market further validates the growing commitment to a net-zero carbon future.”


Federated Wireless, a company best known for a spectrum access system that enables shared use of the CBRS spectrum band, has now launched a spectrum exchange that allows licensees to lease CBRS band spectrum to other parties.
The offering, known as Spectrum Exchange, includes an automated portal through which license holders can offer unused spectrum for lease and through which entities without licenses can obtain CBRS spectrum on an ongoing or temporary basis. Spectrum cost is set by each license holder and can vary depending on geography and bandwidth.
According to Federated, spectrum is allocated “almost instantly” and ongoing delivery is maintained through a Federated network operations center.
A Valuable Band
The CBRS band includes spectrum between 3.55 and 3.7 GHz, which is considered mid-band spectrum. Mid-band spectrum is widely viewed as supporting the optimum mixture of speed and range for 5G fixed and mobile networks.
A portion of the band is available for unlicensed use, while another portion was auctioned last year. Licenses were issued by county.
Traditionally CBRS spectrum was used by the U.S. military, which continues to have priority access in certain areas. Spectrum access systems (SASs), including the one operated by Federated Wireless and others, are designed to prevent commercial users from using spectrum in areas where the military has priority.
Another function of the SAS is to enable commercial users to use licensed spectrum in areas where the license holder is not using the spectrum – an economical but unpredictable method of gaining additional spectrum. Although leasing spectrum through the spectrum exchange would be more costly, it would be more predictable.
According to Federated, the spectrum exchange is “ideal for lessees such as local or regional service providers who need additional spectrum to increase availability; universities, utilities and municipalities wishing to deploy private networks; and stadiums, outdoor venues and other organizations who need more spectrum temporarily for high-capacity and high-density events.”
The Federated CBRS spectrum exchange uses “Light Touch API [application programming interface] technology to eliminate the need to file documents and wait for approval from the FCC, for those wishing to lease spectrum,” the company explained in a press release.
Federated likens the offering to peer-to-peer accommodation services such as Airbnb and VRBO.


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On May 6, 2020, the Department of Education released its final Title IX regulations, including a new provision mandating that every institution hold live hearings with an opportunity for cross-examination. In addition to the final regulations, the Department released a preamble totaling more than 2,000 pages, which includes guidance from the Department on the regulations, including the live hearing provision. With an effective date of August 14, 2020, institutions need to move quickly to adopt a hearing process that meets the requirements of the final regulations.
Join us for a 2.5 hour in-depth training discussing how to conduct a live hearing in compliance with the final regulations. This session will address the requirements for cross-examination, the role of advisors during a hearing, relevancy issues, places where your institution has flexibility on how to structure the hearing process, and more.
Our training will be conducted by Higher Education attorneys specializing in Title IX compliance who have worked with the Department of Education on these very issues. Because these attorneys also have extensive experience investigating and adjudicating sexual misconduct cases for institutions, this training incorporates firsthand, real world experience and provides practical advice on navigating the complex issues that arise during the hearing process.


Read | Ephesians 2:4-5
Grace is God’s favor and love shown to mankind. We cannot earn it or ever be good enough to deserve it. To truly appreciate His grace, we need to comprehend certain truths about Him and ourselves.
First, God is absolutely holy, and sin cannot coexist with the sacred perfection of His presence. When Adam and Eve chose to eat from the forbidden tree, their intimate relationship with Him was broken. Since all future generations inherited their sinful nature, every person is born with a nature bent away from the Lord.
Next, God’s character is just. As a result, He requires payment for sin. The penalty He demands is death (Rom. 6:23), not just physically but also spiritually through eternal separation from Him.
Finally, we have a merciful God who does not treat us as our actions deserve but instead extends His grace toward us. He devised a plan that would affirm His holy nature, meet the requirements of His justice, and enable us to become members of His family: He sent His Son to accomplish our salvation. Born as a human being, Jesus lived a perfect life and fulfilled the Law. He alone was qualified to satisfy divine justice. Christ took our place, bore our sins, and experienced God’s wrath over our rebellion—all so that we could be reconciled to the Father.
God made this provision for our salvation while we were still sinners (Rom. 5:8). Have you acknowledged your sinful state and received His forgiveness through faith in Jesus? If so, are you expressing ongoing thankfulness for His grace?


Recently, I read about Peace Pilgrim, a remarkable woman who devoted her life to spreading a message of peace and love and personal transformation.
“From 1953 until 1981, a silver-haired woman calling herself only “Peace Pilgrim” walked more than 25,000 miles on a personal pilgrimage for peace. Wearing a blue tunic and carrying just a few worldly possessions in her pockets, she shared her simple but profound message in thousands of communities throughout the U.S.: “When enough of us find inner peace, our institutions will become peaceful and there will be no more occasion for war.” ~Peace Pilgrim
Peace Pilgrim described the characteristics of peace, love and personal transformation in a short list:
A tendency to think and act spontaneously rather than on fears based on past experiences. An unmistakable ability to enjoy each moment. A loss of interest in judging people. A loss of interest in conflict. A loss of the ability to worry. Frequent, overwhelming episodes of appreciation. Contented feelings of connectedness with others and nature. Frequent attacks of smiling. Increased susceptibility to the love extended by others as well as the uncontrollable urge to extend it.
When I read this list, I realized just how much inner peace I now have – ten years after my youngest son died. It took a long time and is greatly due to experiencing his death, feeling the depths of sorrow, and finally acknowledging my own faith and hope.
I wish inner peace for all of you.
Cyndi


Is persistence without perfection to be admired? If the final outcome is positive, it often is. If the outcome is negative, persistence is generally seen as stubbornness.
Tapioca is a starch extracted from the
Manihot esculenta plant. This plant can cause a paralytic disease from the toxins it contains, if consumed regularly over several weeks. The Mayans are thought to have developed the process for extracting the cyanide from the plant. The cyanide was used for the tips of their blow darts. Is this another example of how the search for military weapons gave rise to life-supporting invention or the other way around? And what does this tell us about persistence?
If the Mayans kept eating the Manihot esculenta plant and kept dying, we would hardly admire them. The lethal power of the plant must have awed them at first, but they determined to understand and harness it. Perhaps once they had, they felt emboldened to eat the plant, knowing that the toxin had been removed.
Persistence pays, but only if it’s mixed with perfectionism. Sustained energy isn’t enough to guarantee success. It must be matched with careful study and minute adjustments, based upon new learning.
(Trivia: Many use the example of the inventor of 409 cleaning formula, Morris D. Rouff, when discussing persistence, believing that it took him 409 tries to discover the formula. It turns out the name of the product was more of a romantic gesture to his wife Ruth, whose birthday was April 9th.)
Are you both persistent and a perfectionist in your pursuit? If not, how might your life, team, or organization change if you added one of those traits?


The roof is an essential part of your home. Your roof protects you from the outside elements, can increase your home’s value, and helps with energy-efficiency. Over time, your roof sustains wear and tear, which will eventually require repairs or replacement. If you need a roofer in Hampden to inspect your roof, discover Cox Roofing. We provide roofing services for customers across the Baltimore area. Read on for more information about professional roof inspections and the benefits.
3 Reasons to Have a Professional Roof Inspection 1. Weathering and Aging Mul-iply bituminous low-slope roofs have a lifespan of 20 to 30 years, while most single-ply roofs have a lifespan of 15 to 25 years. Due to normal weathering and aging, openings in the roof can occur, leading to water infiltration. Regular roof inspections can help identify weathered areas on the roof and prevent further damage. 2. Storm Damage Bad weather such as hail, high winds, severe thunderstorms, and other unfavorable weather conditions may cause extensive damage to your roof. This damage results in expensive repairs or even a full replacement. Factors that cause the most substantial damage to roofs include tree debris blown around by the wind. Additionally, roofs that are incorrectly installed can begin to deteriorate after even normal weather events, resulting in severe damage. 3. Routine Maintenance Hiring a professional roofer to perform maintenance on your roof is your best bet. Trying DIY roof repair or using an inexperienced company results in various issue that can cause irreparable damage in the future. It’s best to leave roof inspections to the professionals. What Happens During a Roof Inspection?
During a professional roof inspection, a roofer will check for:
Cracked caulk and rust spots on flashing Blistering, curling, or buckling shingles Broken or missing shingles Worn and cracked rubber around vent pipes A damaged or missing chimney cap An accumulation of moss and lichen, which is an indication of a decaying roof Hiring a Professional Roofer in Hampden
Here at Cox Roofing, we look forward to exceeding your expectations. Our services include residential and commercial roofing solutions, including gutters and siding. Contact us today to learn more about our services and get your free estimate. We look forward to helping you maintain a structurally sound home.


Incidence, Longitudinal Trajectory, and Hemodynamic Implications of Cardiac Dysfunction Following Traumatic Brain Injury
Traumatic brain injury (TBI) is a major public heath problem and leading cause of death and disability worldwide. While hemodynamic instability is common following TBI and associated with increased mortality, few studies have evaluated the function of the heart following TBI. Understanding the role of cardiac dysfunction following TBI represents a major gap in the literature. To address this, the primary aims of the dissertation in isolated moderate-severe TBI patients were: 1) To determine the incidence, longitudinal course, and admission risk factors for systolic dysfunction, 2) To determine the early hemodynamic profile in patients who develop systolic dysfunction, and 3) To examine the association of early myocardial workload and in-hospital mortality. In aim #1, we conducted a prospective cohort study using transthoracic echocardiography (TTE) to determine the incidence of systolic dysfunction within 24 hours following moderate-severe TBI, compared to mild TBI (control group); in addition, we examined the longitudinal course of systolic function over the first week of hospitalization following moderate-severe TBI. In aim #2, we conducted a secondary analysis of the prospective cohort study described in aim #1; we used multivariable linear mixed models to examine the early hemodynamic profile that is associated with the development of systolic dysfunction following moderate-severe TBI. In aim #3, we conducted a retrospective cohort study using the National Trauma Databank (NTDB) to examine the association of the admission rate-pressure product (RRP) with in-hospital mortality following severe TBI. Completion of these aims has helped to uncover a new link between the brain and heart following TBI, and will lead to future studies aiming to personalize hemodynamic management to improve outcomes following TBI.


We all make mistakes at some point. Unfortunately, some mistakes carry significant and lasting consequences, dramatically reshaping and limiting our options moving forward. Momentary lapses in judgment can lead to criminal charges, and your criminal record can follow you around and negatively impact your housing and employment options. However, most states recognize that people deserve second chances once they have learned from their mistakes. In Texas, you may qualify for expunction (sometimes called expungement in other states), which liberates you from the obligation to disclose your arrest or criminal history when asked. Of course, there are several eligibility requirements you must meet before you can pursue an expunction. Working with a trusted and knowledgeable Houston criminal defense attorney is the best way to ensure you understand how to navigate each step of the expunction process to achieve a favorable outcome.
How the Expunction Process Works in Texas
Expunction is designed to remove entries from an adult criminal history record permanently, but this option is very limited. In comparison, obtaining an order of nondisclosure (also known as sealing records) hides certain offenses from public disclosure, but they remain visible to criminal justice agencies, licensing agencies, and some types of government entities. In Texas, you may qualify for expunction if you were arrested for a felony or misdemeanor offense and if you were acquitted at trial, the case was dismissed, you were pardoned, or you were never formally charged with a crime. Close relatives of someone who recently passed away with a criminal record meeting the above expunction eligibility requirements may also pursue an expunction request on their behalf.
Expunction Rules in Texas
Texas laws allow for expunctions in very limited circumstances. For instance, expunction only applies to either Class C misdemeanors resulting in deferred adjudication or offenses of any level in which charges were not filed, charges were dismissed, or the individual was acquitted or pardoned. Additionally, regardless of whether formal charges were brought against the defendant or not, Texas imposes a minimum waiting period before an individual may file an application for expunction (180 days for Class C misdemeanors, one year for Class A and B misdemeanors, and three years for felonies). In instances where charges were brought, you must wait for the statute of limitations for every crime for which you were arrested to expire before you may file an expunction request.
Initiating an Expunction Request
If you believe you meet the eligibility requirements for an expunction in Texas, you may obtain, complete, and file the Application for Expunction in the arresting county. The clerk receiving the completed application will notify the Department of Public Safety and set a court hearing at least thirty days after the date of filing. This petition will require you to provide detailed information about your criminal record and your arrest, so be prepared to contact the law enforcement agency or the court to obtain the specific details you need. You should also prepare to pay a filing fee (which varies by county), but low-income individuals may complete a fee waiver asking the court to waive the associated filing fees.
What Happens if the Expunction Petition is Successful?
If the court approves your petition for expunction, it will order every agency you listed as a respondent on your application to remove the arrest from your record. When you file your expunction petition, make sure to list every public entity that was involved in your case, such as the Texas Department of Criminal Justice, the law enforcement entity that placed you under arrest, the Office of Court Administration, the sheriff’s office of the county where you spent time in jail, the prosecuting agency, the magistrate who oversaw your arraignment, the clerk of the court, the probation office, and more. It can be challenging to identify all of the entities involved in your case, so enlist the assistance of a trusted and experienced criminal defense lawyer to ensure you compile a complete and thorough petition. Once the court has approved your petition for expunction, you will no longer be legally obligated to disclose the arrest to anyone (i.e., employers, landlords, schools, or professional licensing boards) unless you are under oath in a criminal proceeding.
Contact a Skilled Houston Attorney Today
If you are struggling with a criminal record that is limiting your housing and employment options, it’s important to recognize that you may have an opportunity to enjoy a brighter future. It’s in your best interest to discuss your situation with a dedicated and experienced Pearland criminal defense attorney, as you may be able to take steps to secure the second chance you deserve. Your attorney will assess the specifics of your situation and help you identify the most strategic path forward, providing you with the guidance and support you need to achieve your desired outcome.
Call the Law Offices of Keith G. Allen, PLLC, today at (832) 230-0075 to schedule a free consultation with a trusted and experienced Brazoria County criminal defense attorney.


Healthcare complications are challenging regardless of their intensity. But incurable and lifelong health issues are way more complicated and exhausting.
Mesothelioma is also among lifelong healthcare issues. It is a malignancy that affects the respiratory tract, abdomen, and chest. It presents several complications, such as high fever, pain, fatigue, appetite loss, persistent cough, and breathing difficulty.
It means patients’ look after depends upon the state of their disease. If the illness progresses to malignant stages, symptoms worsen, and treatment options also shrink.
In metastasized mesothelioma, they only rely on complementary therapy and palliative care. These options tend to minimize their complications and offer them some comfort from severe symptoms.
But if their condition is still in the early stages, they can avail themselves of several optimistic options. In many cases, patients with early-stage mesothelioma also live longer than their preliminary projections. Either way, it is possible to manage their symptoms and maximize their life expectancy via a combination of therapy alternatives, nursing, and care at home.
The following sections explore tips to look after mesothelioma patients and minimize their healthcare complications.
Increase Awareness of the Illness
Fighting mesothelioma is not easy. The prognosis alone can create havoc for patients. Subsequent complications of the advanced stage are even more challenging.
Patients can frustrate if treatment does not relieve them. In such cases, family support is crucial. But you cannot help a patient with any illness if you do not know about their disease, complications, and management strategies.
Thus patients’ look after starts with awareness. Gather as much information about the illness and management as possible.
Refer to credible sources like Mesothelioma Hope for detailed information. You can find detailed information about mesothelioma, its complications, stages, treatment possibilities, healthcare specialists, and funding resources.
Additionally, you must know that awareness about mesothelioma is not beneficial for the patients alone but the entire family.
Symptomatic Treatment
Symptomatic treatment is one way to manage chronic healthcare issues like mesothelioma. The treatment copes signs and symptoms of the illnesses rather than curing the disease itself.
Since malignant mesothelioma is incurable, medications or therapy cannot prevent symptoms altogether. Thus patients continue to experience a range of symptoms.
However, symptomatic treatment can minimize the impact and occurrence of mesothelioma symptoms. For instance, opioid drugs help manage pain by blocking communication signals between the mind and affected nerves, so their pain sensation reduces.
Patients can practice breathing techniques to cope with breathing difficulties. They can also undergo an invasive procedure to drain fluid around the lungs and reduce pleural pressure.
Meditation and stretching exercises can enhance their stamina and help them manage fatigue. Hoarseness in the throat is one of the causes why patients lose appetite, so doctors prescribe eating moist and palatable food.
It improves their digestion and ultimately stabilizes their appetite and weight. In short, you can manage symptoms with symptomatic treatment.
Minimize Exposure to Allergens and Pulmonary Infections
Preventing other healthcare complications is one way to manage primary illness from worsening. You must practice precaution and reduce the additional burden on immunity and stability.
For instance, mesothelioma symptoms worsen if patients acquire pulmonary and respiratory tract infections. Patients dealing with incurable mesothelioma require a sophisticated and round-the-clock caring routine.
Atmospheric dust particles and the common cold can complicate your symptoms and increase shortness of breath. Hence, minimize exposure to infectious and allergic agents that trigger or worsen your symptoms.
Maintaining the hygiene of your indoor environment while limiting outdoor activities is a good idea. Wear a mask if it is necessary to go out. You should also avoid eating food that triggers an allergic response.
Tend to Patient’s Emotional and Psychological Health
Physical health problems have a direct relationship with emotional and psychological irregularity. Patients with terminal illnesses are at higher risk of experiencing psychological health issues, social isolation, depression, and anxiety.
These irregularities can further worsen your primary condition. For instance, stress and anxiety further choke your airways when you already suffer from breathing difficulties. Discomfort and pain also intensify when you undergo chronic stress and anxiety.
Hence, do not think about the illness all the time. Let treatment and medications work, as you cannot manage your disease with frustration and helplessness.
And do not delay reaching out for manageable illnesses. Consult a healthcare expert if you cannot cope with emotional and psychological triggers.
Search and Weigh Treatment Alternatives
Malignant mesothelioma treatment involves a combination of therapy, drugs, and procedures. Patients with advanced-stage mesothelioma cannot get better with simple treatment and medications.
Thus if one method does not work for you, do not lose hope. The medical field has progressed enough that you can explore several other alternatives. For instance, surgical and radiation procedures can remove malignancy if it has not advanced to the metastasized stage.
Chemotherapy drugs can contain the growth and spread of cancerous cells. Immunotherapy triggers a patient’s immune response to identify and fight malignant cells.
Many patients enjoy a quality life even with lifelong illnesses like diabetes, hepatitis, and asthma. So you can also explore alternative and complementary treatment approaches to manage and minimize surfacing symptoms.
But even if the cure is impossible, do not exhaust yourself with helplessness.
Offer Financial Support
Mesothelioma is among the complex healthcare issues where patients go through extensive treatment. If one option does not work, they must explore other alternatives.
Their entire treatment journey consumes a lot of resources and exhausts their affordability. Thus expensive medical care and a lack of resources are insurmountable obstacles for patients suffering from mesothelioma.
Since many cannot continue their work, they give up on follow-ups when treatment does not offer relief amid mounting health expenses. However, financial support from family and friends can yield positive outcomes for patients.
Family members can help them explore other funding resources. For instance, mesothelioma lawsuits are one way to get treatment expenses if your patient’s illness qualifies for occupational exposure and negligence.
Conclusion
Falling prey to an illness is not the end of the world. Medical treatments have advanced, so you can explore alternatives even if your disease has progressed to advanced stages.
It was not possible to treat malignancies in the past, but now, you can recover from cancer if your condition is in the early stages.
If not much, your healthcare condition should not prohibit you from living the remaining days of life to the fullest. Thus do not lose hope. Cooperate with your healthcare provider, and keep fighting.


Numerical studies of charge mixture preparation for HCCI engines
thesisposted on 28.06.2018, 08:13 authored by Paul Osei-Owusu
This thesis presents detailed charge mixture preparation investigation on the set of conditions , leading to auto-ignition in a Homogenous Charge Compression Ignition (HCCI) engine. The emphasis of the study is placed on analysing the charge mixture composition, temperature and pressure conditions leading to auto-ignition, dependence on mixture properties and engine speed. To enable the HCCI technology to be a stand-alone production engine, understanding the fundamentals leading to auto-ignition will provide vital information to overcome the challenges limiting the HCCI engine, whilst providing good knowledge base for further studies. Increasingly stringent emissions legislation and more recent security of energy issues have motivated worldwide research into cleaner, more fuel efficient internal combustion engine. To this end, the HCCI combustion process has been identified as highly efficient alternative to conventional petrol/diesel engines. This is a new combustion process which has the potential to be both highly efficient and produce low emissions. Moreover; HCCI engines are suitable for use with a wide range of alternative fuels including natural gas or bio-diesel, Simultaneously while producing ultra-Iow emissions of NOx and particulate matter. However, one of the main considerations of HCCI is prediction of the occurrence of auto-ignition. Current published literature highlights the limited studies conducted to investigate the auto-ignition characteristics and the fundamentals of the HCCI process. The inspiration for this thesis is addressing the lack of studies/published work in those areas. Utilising two CFD codes (KIVA and Fluent) along with a number of HCCI specific sub-models, the HCCI process is investigated and correlated against experimental results with attention drawn to the mixture conditions leading auto-ignition. Combustion was not considered in this thesis. [Continues.]
History School Aeronautical, Automotive, Chemical and Materials Engineering Department Aeronautical and Automotive Engineering


This study presents a preliminary development of a robotic assistant system with its solutions for combining robotics and health-care devices. The mobile robotic system acts as the sensing equipment for monitoring the heart rate from the continuous electrocardiographic (ECG) waveforms in real-world testing. Routine ECG monitoring can aid clinic diagnoses in cardiac and non-cardiac diseases. In addition, with the aid by technical advancements in information and communication technology (ICT), the designed robot can provide the assistance in the remote symptom monitoring for end users susceptible to heart failure, and advance healthcare in terms of reducing physicians' visiting costs while maintaining the quality of care. To present the planned features of the designed robotic system with ECG monitoring and diagnosis assistance, consider an end user at home, where the experimental environment is deployed.


Relationships always take work. You might think that if you and your New Hampshire partner move in together, it can strengthen your relationship. However, some experts believe that cohabitation before marriage can actually lead to problems down the road and increase...
Month: June 2021
Filing for bankruptcy after a divorce may seem like an effective way of achieving a greater level of financial stability. However, there are many rules that you should be aware of before submitting your bankruptcy petition to a New Hampshire court. For instance, child...
People naturally want to get back on their feet as soon as possible after a divorce. They may seek to buy a New Hampshire home right away, but this is not always easy due to divorce-related issues. It is possible, but perhaps the best thing is to wait until the...
Some people assume that divorces only happen in short-term marriages. However, divorces can also happen to couples married for decades. If your spouse asked for a divorce in New Hampshire, it can feel like it came out of nowhere. Here are several common reasons why...


First developed in the 1960s and becoming more publicly available in the early 1970s, modular connectors were born out of necessity to provide a more simple, “modular” interconnection system for phone systems, data networks, and low-speed serial connections. During that same timeframe, the FCC developed a registration system for modular connectors, known as Registered Jacks (RJ), which led to the naming conventions we are all familiar with today.
From RJ10, RJ11, and RJ12 connectors used in phone systems to the well-recognized RJ45 connector utilized in Ethernet-based connections, modular connectors continue to grow in their usage due to their simplified design, flexibility, and widespread availability.
This CUI Insights™ blog post, “All You Need to Know About Modular Connectors” provides an introduction to modular connectors, while discussing their capabilities, common types, key features, and design considerations to aid in proper connector selection.


November 7, 2022
The NFPA reports that cooking equipment is responsible for three out of every five structure fires in restaurants (https://www.nfpa.org//-/media/Files/News-and-Research/Fire-statistics-and-reports/Fact-sheets/EatingFactSheet.pdf). In many cases this is due to accumulations of flammable grease produced by food preparation.
Chapter 7 of NFPA 96 Standard for Ventilation Control and Fire Protection of Commercial Cooking Operations includes guidelines for exhaust duct systems. These systems contain traps to capture excess grease produced by cooking. The Standard specifies liquid-tight welds and telescoping joints in ductwork to channel grease to the low point of the trap where it can be removed during regular cleaning.
DISCLAIMER: This information reflects the interpretation of MSO, Inc. with regard to NFPA Standards and Codes. It does not represent NFPA’s official position on the items discussed.
Excessive grease accumulations in filter, hood, and duct.


Today, the Independent Assessors released the Final Report on Tiller/Copland/Roach RCMP Class Action, related to sexual harassment and discrimination experienced with the RCMP between 1974 and 2019.
This significant harm experienced in our workplace by women who worked or volunteered alongside the RCMP is totally unacceptable. The actions of some in our organization who have engaged in sexual harassment, misogyny, homophobia and sexual assault, as set out in the Assessors' report, have weighed heavily on individuals as well as their families. They have also harmed our organization as a whole.
There is no excuse for the behaviours detailed in this report. These women were volunteers, students, contractors, and public service employees who worked with us in service to our communities. The Assessors heard from women including some who were particularly vulnerable because of their young age, were dependent on superiors to support their careers, or could simply not afford to leave. They deserved to feel safe and be treated with respect, and we let them down.
I continue to be committed to further improving RCMP culture, and as we know from previous reviews, the solution is multi-pronged. Fostering a healthy and inclusive culture where every person who works for and with the RCMP is recognized for their contributions regardless of their role, identity or category of employee is a top priority. I will not accept anything less.
Harassment and discrimination will not be tolerated at the RCMP. I encourage anyone who has been subject to this behaviour to report it, so we can take steps to address it. Current and former employees, including the Tiller class action victims who have been a victim of a criminal offence related to workplace harassment and violence can contact the dedicated resource for support by email at ICHRVictimSupport-SoutienVictimesCIRH@rcmp-grc.gc.ca.
We are professionals, and our workplace needs to reflect this. All RCMP employees are expected to foster a culture of respect, and to live our core values. As an organization, we are always evolving and we continue to consult those most impacted. Over the past year, we engaged employees, Indigenous nation builders and community partners to renew our core values and provide a modern and inclusive foundation to an ethical culture that builds and sustains trust and confidence in our workplaces and the communities we serve. We must speak out against bad behaviour, either directly or indirectly to a manager or other trusted person. An RCMP workplace characterized by respect, sound judgment and inclusive leadership is at the core of the solution.
Over the last two years, we have worked to make meaningful progress towards a healthier, respectful and more equitable RCMP. Last year, we launched our first-ever RCMP Equity, Diversity and Inclusion Strategy to prevent systemic racism and discrimination within the RCMP, and we have fully implemented the use of Gender-based Analysis Plus across our organization. We have focused on harassment prevention and resolution; addressing barriers; recruitment and training; and leadership development. And we have prioritized transparency by reporting on our actions on our Vision 150 website.
The report notes the importance of a harassment resolution process that is trusted, effective, and independent. On June 30, 2021, the RCMP established the civilian-staffed Independent Centre for Harassment Resolution (ICHR) to strengthen trust in the harassment resolution process, and to resolve occurrences of workplace harassment and violence. The ICHR includes enhanced services and supports available to current and former employees who are victims and survivors of workplace harassment and violence. We've designed the ICHR model to be trauma-informed and free from conflict of interest, and we continue to evaluate what measures need to be taken to externalize the ICHR.
We also want to ensure there is accountability for misconduct. In the fall, we hired an external expert to conduct a review of the RCMP's conduct measures to ensure they meet modern expectations of fairness, transparency and effectiveness. We recently received their first report focused on measures related to sexual misconduct. We are closely reviewing their recommendations, and will implement any necessary changes to ensure measures are meaningful. Plans are underway for the broader dissemination of the report.
We know we need to continue to closely monitor our progress on change. We are developing a measurement framework with specific objectives and indicators to show progress and to course correct when needed.
I am encouraged by the positive momentum, but we know there is still work to do. The solutions to workplace harassment and discrimination are not simple and require a long-term holistic approach. We've made it a priority to engage with partners to explore ways to remove gender equality barriers, like access to child care and other social supports.
With continued effort by all of us, I believe our current and planned actions support a healthy, inclusive and modern workplace, free of harassment and discrimination, that our employees, partners and communities expect and deserve.
Brenda Lucki
Commissioner


On May 27, 2020, D.C. Mayor Muriel Bowser issued Order 0202-067, which details the Phase One limited reopening of non-essential businesses in Washington, D.C., to begin on Friday, May 29, 2020. The Mayor’s decision to begin to reopen D.C. follows on the heels of prior orders of Governors Larry Hogan and Ralph Northam to
As we previously reported, the COVID-19 pandemic has altered the global workplace and international employer-employee relations in profound ways. As COVID-19 continues to spread, countries have enacted nationwide orders, requiring billions of people to stay at home. Recently, in an effort to continue to slow the spread of COVID-19, several countries have extended national…


This year, manufacturing organizations continue to rebuild their workforce — and their profitability — by focusing on the areas where the pandemic impacted them in the most profound ways. Some manufacturers will focus on readjusting supply chain networks to better serve evolving consumer demands. Others will target the rebuilding of revenue streams. No matter how they pursue the process of rebuilding, manufacturing organizations can create a bigger impact and move more quickly toward goals with the help of a partner that understands digital initiatives.


James Kon
The HNTec Construction and Draughting (Dual TVET) system facilitates the transition from learning to employment and responds to the skills needs of the labour market, said Permanent Secretary (Infrastructure, Housing and Professional) at the Ministry of Development (MoD) Ir Haji Amer Hishamuddin bin Pehin Orang Kaya Amar Pahlawan Dato Seri Setia Haji Zakaria, as Co-Chairman of the Manpower Industry Steering Committee (MISC) for Construction.
He said this during an engagement event at Indera Pahlawan Hall of Authority for Building Control and Construction Industry (ABCi) building at the Old Airport yesterday.
The permanent secretary emphasised on the importance of the working relationship between regulators, industry and educational institutions to meet the main
objective in increasing the employability and marketability of the local workforce to suit the skills needed for the construction industry.
Over 50 companies from the construction industry, who are currently participating in the programme initiated by MISC for Construction Industry, gathered at the event.
The dialogue sought feedback from the industry and discussed the recommendations for improving the quality and outcomes of the Dual TVET programme implemented at the Institute of Brunei Technical Education (IBTE) Nakhoda Ragam Campus.
Initiated by the MISC for Construction through the Dual TVET Taskforce, the programme was co-developed through contributions and collaboration among various agencies including government agencies, the private sector and IBTE, to provide training for students in meeting the required skills for the construction industry.
Co-chairperson of MISC for Construction Ar Siti Rozaimeryanty binti Dato Seri Laila Jasa Haji Abdul Rahman, in her closing remarks, spoke on the importance of lifting barriers of communication between industry, regulators and educational institutions with the aim of aligning and meeting the demand of industries with the right supply and at the right time.
ASEAN Future Workforce Council and the MISC for Construction member Ir Bahrin Mohammad facilitated the event.
It concluded with the discussion of the results from the feedback as a way forward to ensure it achieves its main objectives.
The event was also attended by key representatives from IBTE, the Secretariat to the Manpower Planning and Employment Council (MPEC) and ABCi.


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Religion is nothing new. There are probably hundreds of thousands if not millions of religious beliefs in this world, but one of the oldest faiths is Buddhism.
History of Buddhism
Buddhism was founded in India by Siddhartha Gautama, also known as Buddha. He was not a god nor divine being, but rather, he was an extraordinary man who grew up in a wealthy family. Despite living a comfortable life, he decided to give up his lavish lifestyle and dedicate his life to those in need.
After leaving his kingdom, Gautama went on a spiritual journey to deliver peace and truth to the people around him. He encountered countless religious figures and scholars during his travels, but not many of them held the same principles he did.
One day, Buddha left his child and wife and moved to the forest. There, he was on the brink of starving to death, but his renunciation of modern civilization did not lead him to the answers he was seeking. Instead, he sat down beneath a tree and began meditating.
This was an essential turning point in his life. From this point in time, he started to teach Four Noble Truths and the Eight-Fold Path to others. He wandered across India, preaching his beliefs to anyone who would lend an ear. His views on religion and life had affected numerous people belonging to different castes.
At the age of 80 years, Buddha passed away. However, he had already garnered a following of thousands of people whom believed everything Buddha had taught. After his death, his teachings were preserved and spread across many countries in Asia.
The Development of Buddhism
Although he passed away in 483 BC, Buddha’s teachings were forever etched in stone. His followers developed a religious movement based on Buddha’s teachings. This movement and adherence to his word later became known as Buddhism.
Buddhism became more widespread in the third century BC when Ashoka the Great made Buddhism is official religion of India. At that time, Ashoka dedicated resources to construct numerous places of worship and meditation across the lands.
Ashoka the Great also helped his son spread Buddhism in South India and Sri Lanka. This was the first time the religion began gaining traction in the East Asia Pacific. However, in the first century AD, there was a split between Buddhists that led to the creation of two branches: Mahayana and Hinayana. The source of the division of the religion was caused by a difference in understandings.
Both branches of Buddhism preach about the four immeasurable attitudes of love, compassion, joy, and equanimity. However, the Hinayana believe that they should not accept salvation until everyone else has done the same. The Mahayana neglects the notion that their salvation should not be sacrificed for the sake of others.
Despite their differences, both the Mahayana and Hinayana view the Tripitaka as their main holy book. In the Tripitaka, all of Buddha’s teaching were recorded to be used to spread the religion to all four corners of the world.
Although Buddhism isn’t popular in the Western world as it is in much of Asia, it has become a mainstream religion since the early 1970s. However, there are only three countries in Europe that recognize Buddhism as a formal religion, namely, Austria, Italy, and Russia.


Non-interest income
PNC Financial Services (PNC) combines its asset management, consumer services, corporate services, residential mortgage, service charge on deposits, and net securities gains into its non-interest income. PNC Financial’s non-interest income for 2Q16 increased by 10% over the previous quarter, mainly due to higher fee income growth.
Asset management revenue increased by $36 million. This was mainly due to higher earnings from PNC’s equity investment in BlackRock and stronger equity markets.
Consumer service fees increased by $17 million due to higher client activity and seasonal increases in payment-related product activity including debit card, credit card, and merchant services. Corporate service fees increased by $78 million, mainly due to higher merger and acquisition advisory fees and higher loan syndication fees.
Other non-interest income declined by $42 million. It included negative valuation adjustments of $51 million, primarily associated with nonconforming investments under the Volcker Rule provisions of the Dodd-Frank Act. Residential mortgage banking non-interest income increased by $65 million. This was driven by net hedging gains on mortgage servicing rights of $35 million. To compare, there were net hedging losses of $8 million in the first quarter.
Major players in residential mortgage and asset management (VFH), including BlackRock (BLK), JPMorgan Chase (JPM), and BNY Mellon (BK), are focusing on an improved performance of their holdings in order to attract new capital.
Interest income
In 2Q16, PNC’s net interest income decreased by $30 million from the previous quarter to $2.1 billion. The decline was primarily due to lower purchase accounting accretion and a slightly lower core net interest income.
In 2Q16, the net interest margin decreased to 2.7% from the 1Q16 margin of 2.75%, driven by the impact of a lower benefit from purchase accounting accretion. Total revenues for the second quarter increased by $129 million from the previous quarter to $3.8 billion.


On October 22, 2014, ISS published a note on the financial consequences for shareholders to vote “NO” to a proposed hostile takeover (see article here). ISS claimed to have demonstrated that those shareholders who voted “No” to a proposed takeover of their company would have been better off financially if they had they agreed to the takeover.
According to a recent paper, the ISS note does not support such a blanket statement. The author’s take on the ISS paper highlights what they believe are many debatable aspects of ISS’ analysis. According to the authors the ISS analysis is marred by dubious analytical choices, questionable metrics and the remarkable absence of a key investment parameter, the risk/return relationship.
ABOUT STINSON LEONARD STREET
Stinson Leonard Street LLP provides sophisticated transactional and litigation legal services to clients ranging from individuals and privately held enterprises to national and international public companies. As one of the 75 largest firms in the U.S., Stinson Leonard Street has more than 520 attorneys and offices in 14 cities, including Minneapolis, Mankato and St. Cloud, Minn.; Kansas City, St. Louis and Jefferson City, Mo.; Phoenix, Ariz.; Denver, Colo.; Washington, D.C.; Decatur, Ill.; Wichita and Overland Park, Kan.; Omaha, Neb.; and Bismarck, N.D.
The views expressed herein are the views of the blogger and not those of Stinson Leonard Street or any client.


The ongoing coronavirus crisis has highlighted the importance of supply chains. During these tough times, companies need to be able to source and supply goods without any hindrances. However, this is proving to be a difficult task because of the major complicacies that are currently being seen in global supply chains. For example, it has become harder for companies to obtain approvals and meet compliance requirements. Despite these challenges, the ongoing pandemic presents a major opportunity to companies in the form of improving supply chains for the long run. This blog focuses on discussing the ways in which companies can build more resilient supply chains.


In
State v. Williams, the Houston Appellate Court heard an appeal from a case where the pills fell from the defendant’s bra when the officer requested that she pull her bra away from her body and the evidence was suppressed. According the officer, “because the defendant was relatively well endowed, the officer was concerned she may have concealed the steak knife in her bra.” Nevertheless, the officer’s concern did not allow the officer to broaden the scope of a pat-down search. The male police officer’s reluctance to perform a pat-down on the female defendant provided insufficient justification for his requesting that the defendant pull her bra away from her body, even though the officer obtained information that the defendant could be armed with a steak knife and way concerned for his safety. The court emphasized that the officer was not told, specifically, that the steak knife was hidden in the defendant’s bra.
This case demonstrates a citizen accused’s constitutional rights can prevent a criminal prosecution or conviction.


Parametric Climate Insurance Using Blockchain Technology: A Feasibility Study on Technical and Economic Viability in Fiji Synopsis
Blockchain technology has the potential to drive efficiencies throughout the insurance value chain.
This study aimed to investigate the likely customer demand for, technical feasibility and economic viability of blockchain-based climate catastrophe insurance (BBCCI) in Fiji. The report analysed BBCCI’s application in the context of Fiji by undertaking a technical feasibility assessment, which was followed by an economic feasibility assessment. Based on these assessments, a roadmap for the implementation of BBCCI in Fiji is recommended.
Downloads Published License
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.


AFRICA ECONOMIC LEADERSHIP COUNCIL seeks to impact the manner in which entrepreneurs engage
with one another, as well as to create a truly global network through which meaningful collaboration can be fostered.
In providing improved access to global markets, entrepreneurs will be better positioned to capitalize on possible opportunities.
It is our firm belief that, with our support, these businesses will be better equipped to make the leap from local to global
ensuring that essential funding can reach entrepreneurs even in rural and remote areas. As an organization, we are
committed to helping entrepreneurs navigate the challenges often faced by businesses when they seek to grow their
footprint beyond their local economies. AELC will provide its members with the tools to circumvent these barriers to entry
by creating platforms for development and collaboration.
Discover Namibia is destined to get neighbouring countries interested in doing business with Namibian entrepreneurs. It is also an opportunity to showcase what has been transpiring during COVID 19. Now that we are looking forward to, how to regenerate, it is the ideal networking event for Southern Africa.


The Biologics Effectiveness and Safety (BEST) Initiative is part of the Center for Biologics Evaluation and Research (CBER) surveillance program that aims to fulfill the requirements for the FDA Amendments Act of 2007. BEST is part of the Sentinel Initiative housed within the Office of Biostatistics and Pharmacovigilance (OBPV) and contributes to CBER’s mission to assure the safety and effectiveness of biologic products including vaccines, blood and blood products, human tissues and cellular products, gene therapies, allergenics, xenotransplantation products and devices related to biologics.
CBER commenced the BEST Initiative in October 2017 as an active surveillance program for biologics. The surveillance of biologics is slightly different from that of drugs so the BEST Initiative was built with those requirements integrated into its building blocks. It leverages real world data (RWD) from multiple electronic healthcare sources and provides evidence for regulatory decisions. The system consists of large-scale administrative claims, Electronic Health Records (EHRs), and linked claims-EHR data sources with a short data lag. It also has access to on-demand sophisticated analytic capabilities to interrogate the data sources with simple or complex studies. The BEST Initiative collaborates with multiple partner organizations that provide access to healthcare data and scientific expertise.


In 2021 Formula 1 is the pinnacle of open-wheel, single-seater car racing and arguably the highest level of any motorsport globally. Also... There's more... introduced a The cost cap, or budget cap, is the amount of money a team can spend on the car's performance in... to limit the amount of money a team can spend in a single season, referred to as the cost cap.
The cost cap was imposed at $145,000,000.00 in 2021 and is reduced by $5.0m per year for the next two years to settle at $135,000,000.00. It does have a mechanism to adjust for inflation.
This budget is for all performance aspects of the team but excludes OK, so we all know what the driver is, right. I've always liked the description that F1 drivers are like... salaries and non-performance items like marketing, entry fees and travel. It also excludes the salaries of the three top paid team members.
The cost cap also excludes the engine supply.
The intention of this is to level the playing The field is a reference to the full grid of cars, from pole to the backmarkers. Consider it in the... where, previously, the big teams have had significant financial resources allowing them to replace parts or develop their cars at a rapid pace throughout the season. The smaller teams with limited resources were then further penalised and had less chance of competing on a level playing field.
And remember, this is a cap on the teams spending, there will be teams who’s budgets remain well below this level.
While the cost cap had been in planning for some time, its implimentation in 2022 was possibly a critical factor to the sustainability of the sport during the global pandemic.
Get a detailed explanation in Anna Duxbury’s Autosport article
here


Our outlook for another decline in precious metals and miners will likely be confirmed or rejected next week. The minutes from the May 3rd FED meeting will be released Wednesday at 2:00 PM. From that, we can calculate the likelihood of a June rate hike (currently at 78.5%). On May 25th, OPEC will attempt to extend production cuts. If they are successful, oil and energy stocks will rally. A breakout in energy stocks (see XLE chart) should award the stock market with new highs.
PRECIOUS METALS Gold has not met the standard conditions to form a 6-month low; silver has. Which metal should we follow? Well, the gold sector is much bigger, and trades like a currency, whereas silver is viewed as an industrial metal (I disagree). Therefore, we regard gold as the principal driver behind the sector. The current gold cycle supports lower prices in June. POTENTIAL OUTCOME If OPEC successfully prolongs or reduces production, general stocks and energy should advance. We could see sector rotation into energy stocks and a breakout in the SPY. Precious Metals could lose interest if the stock market rallies to new highs. That would blend nicely with our forecast for lower prices into June. Conversely, a negative OPEC result or dovish FED minutes could strengthen the metals.
-US DOLLAR- The dollar fell even further on Friday. That was the 38th day of this cycle, if prices are going to bottom, they need to do so early next week. The next swing low should mark a bottom. -GOLD WEEKLY- The May 2016 6-Month Low was abnormally shallow, registering only one red candle close beneath the 10-Week EMA (two or more is standard). Nonetheless, prices closed lower four week’s consecutively and declined below the previous low at $1,206. That was enough to enable the 6-Month low. Currently, there has only been one red candle close beneath the 10-Week EMA. Prices declined for just two weeks before reaching $1,214.30. Furthermore, prices didn’t breach the prior daily cycle low. Consequently, it is highly unlikely gold reached the 6-Month low in May. -GOLD DAILY- I’d like to say prices reached a top at $1,265 but they are yet to form a swing high. It’s our opinion that prices need to break the daily cycle trendline and decline below $1,214 (prior daily cycle low) before registering a 6-Month low. -SILVER WEEKLY- The COT numbers improved even more for silver with just 57,377 commercial net shorts. Prices have met the requirements for a 6-month low, but gold prices haven’t. Gold is the cyclical driver behind precious metals. Consequently, we should see lower silver prices as gold slides into the 6-Month low. -SILVER DAILY- Prices still need to close below the 10-day EMA to support a rebound high. A daily close above $17.03 could extend the rally. -GDX- Prices rebounded to the maximum level I expected. If our forecast is correct, prices should decline below the May $20.89 low. However, closing above Wednesday’s $23.67 high would severely challenge our outlook. -GDXJ- Junior miners need to close below the 10-day EMA and then beneath the $32.00 level to confirm an interim peak. -SPY- Stocks recovered the majority of Wednesday’s losses. This decline can still be viewed as the handle portion of a “cup-with-handle” continuation pattern…if prices remain above the 235.43 low. Closing back above 240 would support the possibility of a breakout. -WTIC- Next week is the make-or-break week for oil prices. If OPEC fails to extend production cuts, then prices will rollover and decline below $40.00. If they strike a deal, then prices will breakout above the trendline and head to $60.00 this summer. -XLE- If OPEC strikes a deal, the XLE will breakout above the 5-Month trendline. A strong oil sector would be enough to generate a breakout of the cup-with-handle pattern in SPY. We are entering a pivotal week. Expect multiple updates as the action unfolds. Trading could be volatile through Friday. We should be able to narrow our focus by the end of next week. In the meantime, I’m anticipating lower metals prices, but I’m mentally preparing for the unexpected.


Women are frequently depicted as the face of AIDS in sub-Saharan Africa (SAA), where they comprise nearly 58% of all reported HIV infections. Donor dollars, policies and HIV programmes have followed suit, resulting in a near-exclusive focus on women. Although African women are represented as particularly vulnerable to HIV infection, it is men, not women, who are more likely to die of AIDS. AIDS prevalence may have the face of a woman, but AIDS mortality has the face of a man.


Gamifying education: what is known, what is believed and what remains uncertain: a critical review 2017 International Journal of Educational Technology in Higher Education
Gamification of education is a developing approach for increasing learners' motivation and engagement by incorporating game design elements in educational environments. With the growing popularity of gamification and yet mixed success of its application in educational contexts, the current review is aiming to shed a more realistic light on the research in this field by focusing on empirical evidence rather than on potentialities, beliefs or preferences. Accordingly, it critically examines the doi:10.1186/s41239-017-0042-5 fatcat:kixfpfz37vaznguagra7py2hlm
more » ... vancement in gamifying education. The discussion is structured around the used gamification mechanisms, the gamified subjects, the type of gamified learning activities, and the study goals, with an emphasis on the reliability and validity of the reported outcomes. To improve our understanding and offer a more realistic picture of the progress of gamification in education, consistent with the presented evidence, we examine both the outcomes reported in the papers and how they have been obtained. While the gamification in education is still a growing phenomenon, the review reveals that (i) insufficient evidence exists to support the long-term benefits of gamification in educational contexts; (ii) the practice of gamifying learning has outpaced researchers' understanding of its mechanisms and methods; (iii) the knowledge of how to gamify an activity in accordance with the specifics of the educational context is still limited. The review highlights the need for systematically designed studies and rigorously tested approaches confirming the educational benefits of gamification, if gamified learning is to become a recognized instructional approach. The idea of incentivizing people is not new but the term "gamification" didn't enter the mainstream vocabulary until 2010. Only a year later it became a viable trend. The growing popularity of gamification is stemming from the belief in its potential to foster motivation, behavioral changes, friendly competition and collaboration in different contexts, such as customer engagement, employee performance and social loyalty. As with any new and promising technology it has been applied in a diversity of domains, including marketing, healthcare, human resources, training, environmental protection and wellbeing. Gamification is a multidisciplinary concept spanning a range of theoretical and empirical knowledge, technological domains and platforms and is driven by an


Both convertible and non-convertible debentures are available.
After a predetermined amount of time, convertible debentures can be converted into equity shares of the issuing business. Because they can be converted, these bonds are appealing to investors even if they have a lower interest rate.
Debentures that are not convertible:
When the maturity period is over, the principle amount plus accrued interest is paid to the debenture holder. This financial product cannot be converted into equity shares.
NCDs can be classified as either secured or unsecured. Secured redeemable non-convertible debentures are secured by the assets of the firm that issued them, and if that company doesn't make payments, the investor can sell those assets to get their money back.
Non-Convertible Debentures' Advantages
Although they cannot subsequently be changed into equity shares, it offers a high rate of return, and they can be traded on stock exchanges. As a result, unlike with a bank fixed deposit, one can liquidate a debenture and receive their money back. Due to this, non-convertible debentures appear to be a wise investment choice, and as of late, more people are making larger investments in them.
Concerning Non-Convertible Debentures: Risks
They do not provide any form of ownership in the business, such as shares. If one intends to sell them before the maturity period, they also do not offer attractive returns during a recession. Last but not least, NCD returns are taxable, and holders of NCDs are required to pay taxes based on their individual income tax bracket. This also holds true in the event of a sale during the pre-maturity period.
Why Would You Want to Invest in NCD?
Many investors believe that investing in NCDs is advantageous. Because customers don't want to be restricted to fixed bank deposits, NCDs have become more and more popular. There are numerous businesses that occasionally issue debentures as a way to raise capital, and these debenture markets are growing.
Non-convertible debentures are thus a wise and profitable financial instrument. Investment in NCDs makes sense for those seeking better and guaranteed returns. To ensure the security of one's investment, one must nevertheless conduct extensive study before investing in an NCD regarding the issuer's general trustworthiness and repute."""


Propzy will use the latest funds to simplify real estate transactions, manage and expand leasing, and purchase of properties
Vietnamese real estate technology startup Propzy has raised US$25 million in a Series A funding round led by Gaw Capital and SoftBank Ventures Asia, the early-stage investment arm of SoftBank Group, according to a statement released today.
Propzy will use the latest funds to simplify real estate transactions, from beginning to end, and manage the assets or logistics to streamline the entire real estate lifecycle, such as leasing and purchasing of landed houses and high-rise condos.
The startup will also continue its expansion into leasing services by leveraging the online to offline capabilities of its platform, which has recorded 50% month-over-month growth, according to the statement.
According to a report by e27, Propzy recorded a revenue growth of 417% in 2019 and had previously raised a total of $12 million. One of its investors, Frontier Digital Ventures, exited the startup in February this year, by diluting its 20% stake for a return of 300% at $4.7 million, in anticipation of losses.
Founded in 2016 by CEO John Le, a serial entrepreneur, Propzy is a full-stack real estate platform and integrated marketplace that offers open house, closing-settlement services, turn-key mortgage financing, and enterprise software for property managers and tenants.
Le prefers the term “firetech” (financial insurance and real estate technology) for Propzy. As the only “firetech” company in Vietnam, the startup pioneered the hybrid online to offline model that offers a full-stack platform that guides consumers through the entire process of a real estate transaction.
While the startup’s operations are based in Ho Chi Minh City, it plans to expand into Hanoi through the rest of 2020 and 2021, before exploring other Southeast Asian markets, including potentially Thailand, Malaysia and the Philippines, according to a report by TechCrunch.
Vietnam’s economy is one of the fastest-growing in Southeast Asia with 70% of Vietnam’s population considered economically secure, according to World Bank. Propzy currently has 30 brick-and-mortar centers and expects to increase it to 70 centers with 1,300 advisers across the country over the next 18 months.
According to Le, “Sellers see uncovering buyers’ needs as a headache that slows the buying process. Therefore, we invited a group of world-class investors to provide an advanced solution. With the largest number of estate agents in Vietnam – around 400 sales staff operating in 30 locations – we have facilitated over $1 billion in property transactions since inception and anticipate another record-setting year of growth, as we continue to expand.”
Vietnam has emerged as a thriving real estate market in Southeast Asia, although it lags in new technology adoption.
According to World Bank data, real GDP in Vietnam grew by about 7 percent in 2019, one of the fastest growth rates in the region. The country reported a GDP growth of 3.8% in the first quarter of 2020, and aims to achieve at least 5% GDP growth this year, despite the coronavirus pandemic.
However, the global pandemic has impacted Vietnam’s real estate market, which experienced its lowest transaction volume in Q1 2020, and experts warn that 2020 could be a challenging year for real estate in Vietnam.
According to TechCrunch, Propzy experienced a 70% reduction in business during the countrywide lockdowns in April, although Le claims that property sales inquiries and searches went up.
“We’re carrying an all-time high pipeline of deals, as consumers start to have more confidence and know where the market will be in two to three months,” Le told TechCrunch.
“People still need houses, so deals in the pipeline are three times over the fourth-quarter average. We expect them to close quickly, so we are on a good path to hitting our numbers at the end of the year,” he added.
Gaw Capital’s Managing Partner, Humbert Pang said, “Propzy is an example of the many macroeconomic successes in Vietnam. With its innovative breakthrough in real estate’s offline to online business models, we see the immense potential of Propzy to skyrocket.”
“The security that the Vietnamese economy offers to property investors and homebuyers is ideal for Propzy to thrive. We are excited to support the company in its mission to enable a 10X consumer experience in real estate,” said Daniel Kang, Senior Partner of SoftBank Ventures Asia.
Header Image Courtesy of Propzy


The Exorbitant Tax Privilege
We estimate and attempt to explain the evolution of the taxes paid by U.S. multinationals on their foreign profits since 1966. In the oil sector, taxes paid to oil-producing States have been contained, allowing U.S. firms to earn high after-tax returns. Foreign taxes fell abruptly after the first Gulf War. In sectors other than oil, the effective foreign tax rate has fallen by half since the late 1990s. Almost half of this decline owes to the rise of profit shifting to tax havens. The low foreign taxes paid by U.S. multinationals can explain half of the U.S. cross-border return differential.
We thank numerous conference and seminar participants for helpful comments and reactions. Wright is currently employed at HM Treasury but this research is done in a personal capacity. It does not represent the view of HM Treasury. He acknowledges financial support from the American Foundation for the Paris School of Economics. Zucman acknowledges financial support from the Institute for New Economic Thinking, the Laura and John Arnold foundation, and the Sandler foundation. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.


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A real estate attorney's role is to ensure the legal transfer of property from seller to buyer. These attorneys handle tasks like preparing or reviewing documents, ensuring that the title is clear and facilitating the transfer of funds.
A real estate lawyer's exact duties will vary depending on whether you, the seller or the lender hire them, what your state laws require and what's needed for your home purchase to proceed smoothly.
» MORE: Understand the homebuying process, from start to finish
What does a real estate lawyer do?
Real estate attorneys handle "real property" transactions. Real property is somewhat interchangeable with real estate — land and permanent structures that are fixed in place.
For the purposes of most home buyers, purchasing real property doesn't involve going to court. Instead, a real estate lawyer may prepare or review all of the documents related to your home purchase, including the contract, any additional agreements made with the seller, documents from your lender, and title and transfer documents. If you use a real estate attorney, they may also attend the closing, either virtually or in person.
Real estate attorneys sometimes handle additional parts of the home purchase like title searches and title insurance, to ensure there are no outstanding claims or liens against the property. They may also provide documentation of the transfer of funds to the seller and to your lender, or facilitate the transaction as a third party.
A real estate attorney can, of course, also provide help if a problem arises that could hold up the sale.
» MORE: What is real property?
Should you hire a real estate attorney?
Your decision to hire a real estate attorney will likely depend on where in the U.S. you're trying to buy property. States vary in what they consider to be the "practice of law," so what's fine for a real estate agent or notary to take care of in one state might require an attorney in another.
If you are buying a home in certain states, including Connecticut, Delaware, Georgia, Massachusetts, New York, North Carolina, South Carolina and West Virginia, state law requires you to retain a real estate attorney to handle certain parts of the transaction.
In other states, including Alabama, Louisiana, Mississippi, North Dakota and South Dakota, state law requires that an attorney provide a title opinion. Such an opinion shows that a lawyer has reviewed the title abstract or examination and doesn't see any obstacles to the real estate transaction.
Even if real estate attorneys aren’t required in your state, you may still want to retain one if you're dealing with a trickier type of purchase, like a short sale, or if there's an issue like a neighboring structure crossing over the property line.
In some cases, your mortgage lender may require a real estate attorney be part of the transaction. That could mean you're off the hook for the attorney fees, since the lawyer isn't representing you as a buyer.
In states that require a closing attorney, know that even though you hire and pay for the lawyer, they are considered a neutral party whose interest is simply to complete the transaction.
A real estate attorney is representing your interests only if you hire them as your advocate. If the attorney is working on behalf of your lender or as a closing attorney (in which case, they're representing everyone's interest in completing the transaction), you may want to hire your own counsel.
How much will a real estate attorney cost?
Real estate attorney costs will vary depending on what services you need and how they choose to bill you. The attorney may charge a flat fee that encompasses a specific set of services (like examining the title abstract and providing a title opinion) or an hourly fee.
Real estate attorney fees are generally paid as part of your closing costs. You'll see it on your loan estimate document under "services you can shop for," since it's not a set cost. The estimate given in the loan estimate can change depending on the attorney you hire and your legal needs.
» MORE: Calculate your closing costs
Finding a real estate attorney
If you need to find a real estate attorney, ask for recommendations from friends or relatives who have recently purchased homes. In states where it's customary or required to have a lawyer, your real estate agent likely has recommendations too. Check your attorney's credentials with your state's bar association to ensure they are in good standing. (State bar association websites can also help you find real estate lawyers near you.)


Elizabeth Laird serves as CDT’s Senior Fellow of Student Privacy, where she leads the organization’s work in this critical area. She focuses on privacy considerations that should be addressed when using data and technology to improve student outcomes such as privacy standards, data portability and deletion, and data integration.Prior to joining CDT, Elizabeth served as deputy assistant superintendent of data, assessment, and research at the Office of the State Superintendent of Education (OSSE), DC’s state education agency. In that role, she served as OSSE’s privacy officer and led the implementation of student privacy training for all staff, reviewed and approved data requests and data systems application releases, and provided guidance to staff on how to collect and protect student data. Before joining OSSE, she was accepted into The Broad Residency in Urban Education and worked at the Louisiana Department of Education where she oversaw the implementation of a restrictive student privacy bill. She began her career in education data and privacy at the Data Quality Campaign, where she worked for seven years, most recently as the director of communications and external affairs.Elizabeth holds a Bachelor of Science in Mathematics from Vanderbilt University, a Master of Public Affairs from the LBJ School of Public Affairs at the University of Texas at Austin, and a Master of Education in Educational Leadership from The Broad Center for the Management of School Systems.
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Changing perspective based on the issue in front of us is necessary to address stress and other challenges typical for the gifted and twice exceptional communities. ‘Telescoping,’ the act of zooming in and zooming out, is necessary to shift perspective and persevere.
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On November 27, 2018, the U.S. Supreme Court reinstated challenges to a decision by the U.S. Fish and Wildlife Service to designate private property in Louisiana as “critical habitat” for an endangered species of frog, even though the frog does not live in Louisiana and might be unable to do so without substantial land modifications. The decision was a victory for WLF, which filed a brief arguing that the appeals court wrongly concluded that Congress barred cost-benefit challenges to such designations. The Supreme Court agreed with WLF that precluding a court challenge would be inconsistent with the strong presumption that all federal administrative actions are subject to judicial review. The Court also directed the lower courts, on remand, to determine whether the designated land qualifies as “habitat” for the endangered frog—that is, whether the frog could survive on the land in the absence of substantial modifications. WLF’s brief was joined by the Allied Educational Foundation.
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By Liam Edwards
On 3 October 2022, the FCA announced a consultation on the introduction of a new financial resilience regulatory return for solo-regulated firms. The FCA’s webpage on this consultation is available here, with the full consultation document available here.
The FCA is proposing to replace the existing FCA Financial Resilience Survey with a regulatory return which is hoped to reduce the administrative and financial burden of the existing approach whilst increasing the quality of data that the FCA receives. This return will be referred to as FIN073, and will require firms to submit information on their net profit / loss in the previous quarter, their revenue in the previous fiscal year, and the quantity of liquid assets within their control.
This consultation is relevant to all FCA regulated firms, except for:
credit brokers; MIFIDPRU investment firms; not-for-profit debt advice bodies; PRA-authorised persons; supervised run-off firms; and Temporary Permission firms.
The deadline for responding to the consultation paper is Friday 2 December 2022. Responses can be submitted using the FCA’s online response form.
The FCA expects to publish its policy statement and final rules following this consultation in Spring 2023, with FIN073 projected to launch later in 2023.
For further UK financial services regulatory updates, please visit the Burges Salmon blog.


BRASS mobile application is making an attempt to deep into “Open Banking” emerging FinTech concept by utilizing private financial information held by the banks and interconnecting it with customers' purchase history to offer credit score alternatives to borrowers that will be widely accepted by various lenders of consumer products and services.
Borrowers are usually individuals seeking consumer credits and loans. Lenders are small and medium enterprises (SMEs), such as retailers, service providers, and others.
Knowing the history of interaction with the clients, their income and expenses, SMEs will offer ready-made solutions using recommendation systems. For example, a home appliances purchase based on the pre-approved payment plan. The approval decision could be completed within a few minutes as all the necessary information is already entered into the BRASS app and analyzed.
Individuals who prefer not to be assessed solely by their credit score can now obtain consumer loans and present proof of their bankability by connecting their banking data and purchase history to BRASS. Small and medium businesses can access an alternative credit scoring system with reliable personal financial reports. From a business's standpoint, it will significantly reduce risks associated with a consumers' failure to repay a loan.
BRASS reflects the implementation of open banking, end-to-end digital architecture, artificial intelligence (AI) calculations, hybrid clouds to offer such innovative solutions.
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Industrial processes impose onerous requirements on IoT solutions. Product managers must account for these additional requirements in the design and engineering. They must understand the specific use cases, as well as the environments the solutions will be placed into.
IIoT solutions employ a variety of advanced security measures, from secure and resilient system architectures, specialized chipsets, encryption and authentication, threat detection, to management processes.